cbs 5 reporter cate caugiran joins us from mcenery convention center. good morning, cate. >> reporter: good morning. now, one person in line told me that he had been here since 5:00 last night. you can see there is a small line here just for the event that's put on by the neighborhood assistance corporation of america. this is part of american dreams program to be held at southall san jose convention center. there will be hundreds of counselorser a bank representative from major lenders assisting with on site home loans and modifications. all of these services are free. the idea is to help reduce mortgage payments and homeowners say this is much- needed especially in today's tough times. >> we have been using alot of our savings and retirement to try to pay the mortgage. >> try to pay as much as possible but i don't know as to when i can do it no. >> we are setting up over here. >> okay. >> reporter: now, in addition to that, they are going to help those who lost their homes in foreclosure called independent foreclosure review. the idea is that this gro